The Truth About the 28-Day Bank Statement Rule for UK
Student Visa – Don’t Make These Mistakes
Assalamu Alaikum,
Welcome to Englopak, we specialize in study abroad, immigration, career, and
account-related guidance. Today’s post is one of the most important updates
for students applying for a UK study visa — especially those confused about the
28-day rule.
What
is the 28-Day Rule?
If you're applying for a UK student
visa, you must show proof of funds in your bank account — and those
funds must remain untouched for 28 continuous days before you apply.
Let’s say today is 15th September.
If you deposit the required funds today, you can’t use them, touch them, or
withdraw even a single rupee until at least 12th or 13th October. Only
then will your bank statement be valid for CAS issuance and visa
purposes.
Common
Mistake: Withdrawing Money After Biometrics
Here’s where students are getting it
wrong.
Some agents are misleading students by saying:
“Sir, your biometrics are done — now
you can withdraw your funds.”
“Your 28 days are complete — print the statement and take your money out.”
⚠️ Absolutely wrong.
You cannot withdraw your funds until you receive your visa approval and
passport in hand.
Even if your biometric is done...
even if your visa has been submitted... even if 28 days are complete...
You CANNOT withdraw or move your money until the visa decision is
received.
What
Happens If You Withdraw Early?
If you touch the funds even for a
second — if the balance drops, if there’s any debit — your 28-day period
breaks.
I’m getting dozens of cases every
day where students did this:
- Funds completed 26 days instead of 28.
- Student withdrew ₹6 lakhs, re-deposited the next day.
- One student had ₹90 lakhs, withdrew a small amount for
just 2 hours.
Result?
Visa refused. Ban for 10 years. Immigration history ruined.
Even if you re-deposit the funds,
your 28 days will restart.
Your earlier statement becomes useless.
Let
Me Be Clear
You must:
✅ Maintain your full required amount without any
withdrawal or interruption.
✅ Only credit (deposit) more funds — never debit (withdraw).
✅ Wait until you receive your visa grant and passport
before withdrawing or transferring money.
Even then, you should keep a printed
copy of your final bank statement for travel purposes.
If UK immigration asks at the airport, you can show it.
How
Long Should You Maintain Funds?
Let’s say your 28 days end on
October 10. Then you apply for the visa.
Now your file might take 15 days, 20 days, even 2 months.
You still must not touch your funds during this period.
This means you might have to maintain
your balance for 2 to 3 months total.
That’s the safe zone.
What
If Your Agent Tells You Otherwise?
I say this with all honesty:
Choose your agent wisely.
There are too many inexperienced
consultants giving false promises, telling students to withdraw funds early,
and giving wrong advice that leads to refusals, financial loss, and bans.
You can lose your tuition fee. Your
insurance. Even face long-term immigration consequences.
And once you get a 10-year UK ban,
that black mark follows you to Canada, Australia, and other countries too.
Final
Words
📌 Don’t rush. Don’t take shortcuts.
📌 Don’t trust blind advice — verify it.
📌 And NEVER withdraw your funds until your UK visa is
approved and passport is returned.
Even if it takes 2–3 months, be patient.
That’s the safe path.
Thank you so much. Allah Hafiz.
.webp)
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